The Safe Harbor rules you eluded to only apply if the foreclosing bank buys it, and did their suit properly.

another option I have done is take less of a sec dep but to have something so they can't apply all of it to last month. 

Also, if this is your first flip, you should apply for the show "First Time Flippers" on the DIY Network!

So your calculated effective overtime income if you apply for a mortgage with this jumbo investor in November will be approximately twice as high as it would be if you applied in April or May even though in reality you make exactly as much this year as you have for the past two years.And the net effect to a borrower of this, is that you might end up with a higher rate (if we assume that this jumbo investor happened to have the most competitive rates the day you went into contract) because some person making up a completely idiotic worksheet doesn't know how to math and some investor has a firm "no exceptions" policy.

I think that it is "standard issued"   I am just looking for a standard one but it must apply to rules in California.  

I am extremely motivated to learn as much information as that pertains to real estate, in the hopes of applying it in the years to come. 

The guy I spoke to at the city literally told me almost anything would be possible or could be changed so long as I apply for the right permit.

Ask Lenders this question:- If I come up with the cash, and title transfers to me, can I apply for "delayed financing exception" up to the full purchase price (so long as it appraises for 140%+ of my purchase price) - without waiting six months?

looking for advice. applied for 5th and 6th mortgage from conventional Fannie/freddie compliant lender. been 3 weeks. called and was told should be no problem will have answer for you shortly. that was 1 week ago. no call, no email.

The reality is in the LOI and or the purchase and sale agreement if there is language that says if this documents language conflicts with any other previously signed documents than it shall control that will supersede whatever CA was signed beforehand.So the reality is if the listing broker wants to close and the seller wants to sell they will play nice and agree to the fees.Now the other language for example: Prospective Buyer shall indemnify, defend, protect and hold harmless each Owner and Agent from any claim or demand by any person or entity entitled to receive from Prospective Buyer and/or Registered Broker or for its account any brokerage commission or finder’s fee in connection with this Agreement or any possible transaction,What this usually applies to is someone in a daisy chain coming in an claiming a fee for doing nothing trying to junk up a transaction.